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Property worth $3M+, there's the problem... At this price point there's fewer comparable sales and property prices can be very much based more on the individuals perception of value, less on the market as a whole. I'm not saying the property isn't worth it, but this is at a more extreme...

I've only seen one property come back lower than an auction purchase price, it's a very rare thing to happen. I think I've seen it about 3 times when the purchase is made via negotiation. If the LVR is above 80%, even if your valuation appeal is successful, the CBA may not be able to use it...